Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
0

Re: Is there really a credit card that guarantees approval?

I know 2 credit unions here in my city that guarantee secured cards with no credit check and they still report as well. BUT to increase the CL by adding money they SP you.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
New Contributor
Posts: 72
Registered: ‎03-19-2011
0

Re: Is there really a credit card that guarantees approval?

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.

EQ FICO 695 (4/26/2012)
TU FAKO CK 723
Lender Pulls (for mortgage) 12/03/2012 - 698 EQ, 729 TU, 721 EX
Business Cards: Discover Business Miles and US Bank FlexPerks Cash Rewards
Personal Cards: Capital One, Chase Freedom, Chase Amazon, Wells Fargo Rewards, Amex Zync NPSL, Target, Chevron/Texaco Store Card and VISA, CareCredit
Valued Contributor
Posts: 1,927
Registered: ‎06-21-2012
0

Re: Is there really a credit card that guarantees approval?


baronofthenorth wrote:

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.


i bet that can be aggrevating....what reasons they give you?

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Established Contributor
Posts: 1,002
Registered: ‎12-06-2011
0

Re: Is there really a credit card that guarantees approval?


tboy1977 wrote:

But at what cost with Open Sky?  BofA sucks......still no letter of denial from BankofAmerica


The annual fee is $50... but it reports to all 3 credit bureus.

 


Starting Score: 486 EQ, 529 TU, 518 EX 12/6/2011 (FICOS - lender pull)
Current Score: 595 EQ SW 1/10/13 628 TU08 1/10/2013 593 EX (BoA HP) 1/5/12
Goal Score: > 620
Take the FICO Fitness Challenge! | Diamond Spade Garden Club Member: App free since 7/2012
Valued Member
Posts: 203
Registered: ‎07-05-2009
0

Re: Is there really a credit card that guarantees approval?

Digital Federal Credit Union (DCU) has a secured card that reports to all three CRAs with no AF!

https://www.dcu.org/prodserv/ccards/visa-secured.html

 

Before applying, you must first join DCU by opening a share (savings) account. You must qualify to join DCU, but you can do so by donating/"joining" a partner non-profit for a very small amount. Or maybe you could call and ask if they would process your application first.

Super Contributor
Posts: 6,068
Registered: ‎12-11-2011
0

Re: Is there really a credit card that guarantees approval?

I got denied for the capital one secured card, that one hurt. Lol. Then a few months later they approved me for a $3,000 CL and the only thing that changed on my report was more inquiries. Lol.
New Contributor
Posts: 72
Registered: ‎03-19-2011
0

Re: Is there really a credit card that guarantees approval?


j_casteel wrote:

baronofthenorth wrote:

I have been denied for the CITI Secured card twice in the past 6 years.  No BK.


i bet that can be aggrevating....what reasons they give you?


Multiple reasons at the time.  Too few accounts, past baddies, thin file (short credit history).  2nd time was more of the same, but with a longer history and maybe 1 baddie (4+ years old) at the time.

EQ FICO 695 (4/26/2012)
TU FAKO CK 723
Lender Pulls (for mortgage) 12/03/2012 - 698 EQ, 729 TU, 721 EX
Business Cards: Discover Business Miles and US Bank FlexPerks Cash Rewards
Personal Cards: Capital One, Chase Freedom, Chase Amazon, Wells Fargo Rewards, Amex Zync NPSL, Target, Chevron/Texaco Store Card and VISA, CareCredit
Highlighted
New Member
Posts: 5
Registered: ‎06-19-2012
0

Re: Is there really a credit card that guarantees approval?

Old friend of mine got approved for a first premier card with at least a dozen collections this is all comes with high fees but its something
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.